Apply for a MOHCD loan release

For homeowners using certain loan programs such as TND, PIC, and some City Second loans

What to do

Your loan is eligible for release if:

  • It is a Teacher Next Door (TND) or Police in the Community (PIC) loan.
  • Your loan documents state that the loan will be forgiven.

You should apply for the release if:

  • The MOHCD loan has matured for the full loan term.
  • You have lived in the home as your primary residence for the entire loan term.
  • You have satisfied all other program requirements for the entire loan term.
  • You have continually worked for SF Unified School District (for TND) or the SF Police Department (for PIC) during the entire loan term.

Apply for a loan release

1. Complete the Release of Lien Request Form and all required documents.

  • MOHCD may request other documents.

2. Compile the form and required documents into one PDF file and then upload

If you are unable to send in your documents online, you can mail your application to:

Mayor’s Office of Housing & Community Development
ATTN: Loan Servicing and Release
1 S Van Ness Ave, 5th Floor
San Francisco, CA 94103

After you request a loan release

  1. Due to an increase in volume, MOHCD is prioritizing loan release requests that are related to a sale or refinance transaction. For all other requests, MOHCD may take 60-90 business days to process a complete loan release package.
  2. If we approve, MOHCD will prepare and record a reconveyance document to release the loan from the property.
  3. If we determine loan program requirements are not met for release, you may have to begin repaying the loan.

Continuing restrictions

Certain restrictions may still apply after the MOHCD loan is paid off. For example, the "Right of First Refusal" requirement will remain on City Second properties after the City Second loan is released.

Last updated May 25, 2024